A+ Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, A+ Federal Credit Union of Austin, TX reported 1,821 mortgage applications totaling $272.8 million, down 14% from 2023. The average application was for $149,810, and applicants reported an average income of $130,739. 35% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Austin-Round Rock, TX (1,114), Killeen-Temple, TX (134) and Houston-The Woodlands-Sugar Land, TX (68) (applications in parentheses).
| Mortgage Company & Address | A+ Federal Credit Union 6420 US Hwy 290 East Austin, TX 78723 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,821 |
| Total Mortgage Loan Application Amount | $272,805,000 |
| Average Mortgage Loan Application Amount | $149,810 |
| Highest Mortgage Loan Application Amount | $4,055,000 |
| Average Applicant Income | $130,739 |
| Highest Applicant Income | $5,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Austin-Round Rock, TX | 1,114 | $ 149,440,000 | $ 134,147 | $ 132,000 |
| Outside any metro area | 272 | $ 61,940,000 | $ 227,720 | $ 124,507 |
| Killeen-Temple, TX | 134 | $ 15,540,000 | $ 115,970 | $ 116,000 |
| Houston-The Woodlands-Sugar Land, TX | 68 | $ 11,390,000 | $ 167,500 | $ 127,000 |
| San Antonio-New Braunfels, TX | 59 | $ 8,125,000 | $ 137,711 | $ 156,000 |
| Dallas-Plano-Irving, TX | 32 | $ 5,190,000 | $ 162,187 | $ 135,000 |
| Fort Worth-Arlington, TX | 24 | $ 2,740,000 | $ 114,166 | $ 122,000 |
| Corpus Christi, TX | 10 | $ 1,170,000 | $ 117,000 | $ 56,000 |
| Tampa, FL | 6 | $ 1,660,000 | $ 276,666 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 220,000 | $ 55,000 | $ 0 |
| Lakeland-Winter Haven, FL | 4 | $ 840,000 | $ 210,000 | $ 0 |
| Lubbock, TX | 4 | $ 320,000 | $ 80,000 | $ 58,000 |
| Amarillo, TX | 3 | $ 1,045,000 | $ 348,333 | $ 19,000 |
| Brownsville-Harlingen, TX | 3 | $ 445,000 | $ 148,333 | $ 87,000 |
| El Paso, TX | 3 | $ 335,000 | $ 111,666 | $ 99,000 |
| Longview, TX | 3 | $ 425,000 | $ 141,666 | $ 62,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 1,065,000 | $ 355,000 | $ 135,000 |
| Pittsburgh, PA | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Punta Gorda, FL | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Waco, TX | 3 | $ 385,000 | $ 128,333 | $ 172,000 |
| Abilene, TX | 2 | $ 190,000 | $ 95,000 | $ 120,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 210,000 | $ 105,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Columbus, GA-AL | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Knoxville, TN | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Laredo, TX | 2 | $ 100,000 | $ 50,000 | $ 61,000 |
| Odessa, TX | 2 | $ 170,000 | $ 85,000 | $ 312,000 |
| Oklahoma City, OK | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Victoria, TX | 2 | $ 350,000 | $ 175,000 | $ 100,000 |
| Wilmington, NC | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Altoona, PA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Bremerton-Silverdale, WA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Casper, WY | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Columbia, SC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Decatur, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Erie, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Farmington, NM | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Jackson, MS | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Jacksonville, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lafayette, LA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lancaster, PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lebanon, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Midland, TX | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Montgomery, AL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Morgantown, WV | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Owensboro, KY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Paducah, KY-IL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Salem, OR | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| State College, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Tucson, AZ | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tulsa, OK | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 1,016 | $94,370,000 | $92,000 | $545,000 | $128,000 | $5,100,000 |
| Home Purchase | 395 | $97,105,000 | $245,000 | $4,055,000 | $140,000 | $844,000 |
| Home Improvement | 196 | $20,350,000 | $103,000 | $325,000 | $138,000 | $2,366,000 |
| Cash-out Refinancing | 143 | $41,625,000 | $291,000 | $1,965,000 | $120,000 | $360,000 |
| Refinancing | 71 | $19,355,000 | $272,000 | $2,405,000 | $120,000 | $360,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 683 | $92,435,000 | $135,000 | $775,000 | $136,000 | $2,366,000 |
| Hispanic | 382 | $47,560,000 | $124,000 | $675,000 | $112,000 | $1,620,000 |
| Not Provided | 301 | $45,205,000 | $150,000 | $1,165,000 | $121,000 | $386,000 |
| Not applicable | 262 | $57,950,000 | $221,000 | $4,055,000 | $0 | $0 |
| Black or African American | 121 | $16,855,000 | $139,000 | $725,000 | $115,000 | $465,000 |
| Asian | 51 | $9,975,000 | $195,000 | $885,000 | $147,000 | $385,000 |
| American Indian or Alaskan Native | 16 | $2,430,000 | $151,000 | $545,000 | $515,000 | $5,100,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $395,000 | $79,000 | $205,000 | $91,000 | $146,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,798 | $263,460,000 | $146,000 | $4,055,000 | $129,000 | $5,100,000 |
| FHA-insured (Federal Housing Administration) | 23 | $9,345,000 | $406,000 | $885,000 | $169,000 | $465,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 638 | $84,210,000 | $131,000 | $2,405,000 | $134,000 | $2,366,000 |
| Application Denied By Financial Institution | 512 | $57,540,000 | $112,000 | $1,965,000 | $119,000 | $5,100,000 |
| Loan Purchased By The Institution | 232 | $37,140,000 | $160,000 | $755,000 | $0 | $0 |
| Application Withdrawn By Applicant | 177 | $34,735,000 | $196,000 | $4,055,000 | $138,000 | $1,620,000 |
| Application Approved But Not Accepted | 104 | $13,420,000 | $129,000 | $605,000 | $118,000 | $427,000 |
| Preapproval Approved but not Accepted | 86 | $29,760,000 | $346,000 | $885,000 | $132,000 | $415,000 |
| File Closed For Incompleteness | 65 | $14,295,000 | $219,000 | $785,000 | $164,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 7 | $1,705,000 | $243,000 | $475,000 | $93,000 | $124,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,302 | $213,560,000 | $164,000 | $4,055,000 | $135,000 | $2,366,000 |
| Debt-To-Income Ratio | 165 | $25,835,000 | $156,000 | $1,965,000 | $73,000 | $293,000 |
| Credit History | 142 | $11,310,000 | $79,000 | $725,000 | $101,000 | $465,000 |
| Other | 100 | $10,860,000 | $108,000 | $355,000 | $214,000 | $5,100,000 |
| Collateral | 100 | $9,620,000 | $96,000 | $535,000 | $124,000 | $385,000 |
| Unverifiable Information | 5 | $905,000 | $181,000 | $465,000 | $50,000 | $116,000 |
| Employment History | 3 | $205,000 | $68,000 | $75,000 | $96,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $495,000 | $165,000 | $255,000 | $61,000 | $85,000 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $360,000 | $360,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess A+ Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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